Clipping of news on Brazilian Culture, Law and Citizenship
11/04/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Consumer borrowing has grown , say especialistasGetty Images
Responsible for injecting R$ 143 billion in the Brazilian economy this year , the thirteenth salary should be used with caution by workers . Instead of Christmas presents , extra money , experts recommend , should be used to pay debts or spared to alleviate the impact of expenses that often push the family budget after the New Year.
According to Gilberto Braga , Professor of Ibmec ( Brazilian Institute of Capital Markets ) , the priority for the thirteenth to be the discharge of debts , mainly revolving credit card and overdraft .
- These are the modes with higher interest rates . The faster the consumer can get rid of these obligations , the better.
The retail consultant Alexandre Ayres believes that the actual economic time justifies the use of the thirteenth priority in the payment of debts .
- Consumer borrowing is not only high, as it has grown consistently this year . Without doubt , use more prudent for the extra pay is the discharge of debts .
After payment of debts , the thirteenth should be used as a reserve for the costs of start to the year . According to Braga , planning helps reduce the weight of spending as school supplies , school enrollment and renewal taxes such as property taxes ( Property Tax Motor Vehicle ) and property tax ( property tax and urban land ) , charged in the first months year in some states and municipalities .
Braga suggests that workers put all the expenses start to the year in a spreadsheet to see what can be paid with the thirteenth .
- Although the thirteenth is defined as a Christmas bonus , in fact , the consumer should be organized to take advantage of this money until the beginning of next year. Only if there is an odd thing in the end , the thirteenth can be used to buy Christmas gifts .
For Alexander Ayres , better than consuming is to use leftovers from the thirteenth to apply . He recommended conservative investments with little risk and guaranteed income .
- At the present moment , I do not needed to be a good alternative to apply the exchange, but in savings , which is yielding increasingly with increasing Selic [ basic interest rates ] .
Source : R7
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This article was translated by an automatic translation system, and was therefore not reviewed by people.